This is Nick. This is Jack. And we’re coming at you during peak pumpkin spice latte season. But…what’s that? According to an Ipsos poll, 46% of Americans have never even tried a PSL (and don’t want to). The new flavor of the season is apple. Apple Cider soap is selling out at Bath & Body Works and Pinkberry is low on spiced apple froyo. And is that an Iced Apple Crisp Oatmilk Shaken Espresso we see hitting the Starbucks menu?

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1) Sorry, Gold Diggers: Millennials Are Driving a “Prenup Pop”

2010: Only 3% of American couples got prenuptial agreements.

Today: 15% get prenups.

Just sign here, here, and here. The prenup is the pre-marriage contract that decides how to divide your assets/debts if you split (save to: date night ideas). Historically, couples with major wealth imbalances were prenup power users. Example: If Taylor Swift ended up with Travis Kelce, she’d want to have the talk first.

Why the prenup pop? We found 3 reasons why millennials are saying yes to the dress, then the prenup:

• 👪 Our parents: Divorce rates were high in the ‘90s. And the #1 reason for heading to Splitsville? Money. Millennials don’t want to become their parents.

• ⏰ Our timing: Millennials are locking it down later in life…and with more assets at stake (apartments, businesses, puppies).

• 🧐 Our misunderstanding of the contract. Which brings us to…

The Takeaway →

It’s time to redefine the prenup. Full disclosure: Neither of us have prenups, but we know plenty of people who do (even without a wealth imbalance). A prenup is an open conversation about your finances. It’s a guide to everything each partner has (assets) and owes (debts). You wouldn’t do business without due diligence, so why go into life without it?

2) Why Do Football Stadiums Prefer Artificial Turf?

Aaron Rodgers’ torn achilles in the Jets’ season opener put turf on the bench right next to him—some NFL fans say it’s the artificial turf that tripped up Rodgers (not his dairy-free diet). Out: one Super Bowl MVP. In: grass.

Here’s the deal with artificial turf: There are substantially more injuries on turf than on grass, according to the NFL players’ union.

• 🦶 In 10 of the last 11 NFL seasons, there’s been a higher rate of injury on pseudo-grass.

• 🦶 Last year, the injury rate was 37% higher on synthetic surfaces.

This doesn’t sound hot for turf. So why haven’t all stadiums switched over to the real stuff yet?

The Takeaway →

The real reason stadiums have artificial turf? Concerts. You can’t put up a stage for Taylor (no last name needed) on real grass—so stadiums fancy the fake green. And the real profit puppy for MetLife Stadium isn’t the Giants or the Jets, it’s the Swifties. MetLife will host 17 football games this season…but 22 concerts. 🎟️ So turf it is.

3) Salesforce’s New Obsession: “Boomerangs”

After laying off 8,000 people this year, Salesforce is asking 3,000 of them to return—they’re the “boomerangs” of the labor market.

The TL;DR on Salesforce:

• It’s headquartered in San Francisco, where it’s the city’s largest employer (and namesake of the largest building west of the Mississippi).

• The stock’s up 60% this year thanks to everyone you know in sales using the company’s software. #Dashboard

Enter: the boomerangs. Salesforce CEO Marc Benioff wants to supercharge software sales growth…so he’s adding back Sales-enforcers. The reason it’s a shocker? Salesforce just laid off 8,000 people earlier this year. And now those ex-SFers are the ones Benioff wants to bring back.

“It’s OK to come back,” Benioff said to an alumni base up there in size with the University of Michigan’s.

The Takeaway →

The greatest hidden cost of business is turnover & training. Salesforce’s Boomerang plan reveals just how huge the calculable and incalculable costs of firing and re-hiring are:

• 💸 Financial costs of firing: The price of HR paperwork, legal docs, and severance

• 💰 Financial costs of hiring: All that recruiting, interviewing, hiring, and training—we’re talking $$$ and productivity

• 🧠 Brain drain costs: Losing long-time employees = losing institutional knowledge

• 😔 Emotional costs: Nothing hurts morale like losing a work bestie

🏋️ Planet Fitness ousts its CEO out of nowhere, tanking the stock 15%. He was a Planet Fitness for lifer having started as a front desk swiper.

🛒 Instacart’s IPO is scheduled for Tuesday…so is our snack delivery.

🏈 Goldman is helping wealthy clients invest in sports deals.

🐭 Disney is in chats to sell off ABC—the House of Mouse could be downsizing.

🫰 Ford CEO says requests from union workers (who are striking big time) could bankrupt the company.

🎞️ Dumb Money (the GameStop/Robinhood movie) hit theaters over the weekend—we’re seeing it this week.

And one more thing. What’s the supreme flavor for sweater season? Who can unseat Pumpkin Spice? Our money is on Maple Mojo.

—Nick & Jack